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هبوط حاد في قيمة العملة المحلية وسوء سمعة الأسواق المالية

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انخفاض أسعار الأسهم في الأسواق المالية

ارتفاع أسعار الأسهم في الأسواق المالية

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5.1 Personal data Personal data is any data that relates to you and your identity. This includes data such as: •Name •Address •Telephone number •Email address •Bank details •Medical records •Salary •Political opinions You should be very careful about revealing any of your personal data! By revealing personal data to another, especially online, you are exposing yourself to dangers such as identity theft, fraud, bullying and blackmail. These types of dangers can be issues that arise as a result of revealing more personal thoughts and feelings to those that can use them against you. It is a more sinister viewpoint to take, but the moment you reveal any personal data to another, you are providing them with the potential to harm you or your identity. This isn't to say you should never speak to another, especially those unknown online, just understand how to recognise a danger and how to keep your identity secure. To keep yourself safe in your daily life, you are likely to have been taught to take measures such as locking doors, not talking to strangers and not venturing into unsafe areas. However, when many people go online, they relax their safety measures, perhaps because they are in the comfort of their own home, so do not think anything negative will happen. Many people that use the internet are genuine, but knowing how to detect the few that aren't is important. There are several guidelines for you to be aware of to keep your personal data confidential: •Have strong passwords set on any account that holds personal data. Stronger passwords include characters, numbers and symbols and are not a recognisable word. •Encrypt (scramble text so that it cannot be read without a decryption key) any personal data that you store on your computer. •Have a firewall present, scanning incoming and outgoing data from your computer system. •Regularly scan your computer with preventative software, such as an anti-virus package, that is used to identify a virus on a computer and remove it. •Make use of any biometric devices (devices that measures a person's biological data, such as thumbprints), that are built into technology. •Only visit and provide data to websites that are a trusted source. •Do not open any email attachments from a sender you do not recognise. •Check the URL attached to any link requesting data to see if it is genuine. •Be cautious about any pictures or opinions that you post or send to people. •Remove data about your location that is normally attached to your photos and videos that you may post, such as geotags. •Do not become friends on social networking sites with people you do not know. •Set all the privacy controls to the most secure setting that are available on social media accounts. •Report and block any suspicious user. •Use a nickname or pseudonym when using the internet for entertainment, for example, playing games. •If it is possible, use a virtual private network (VPN), an encrypted connection that can be used to send data more securely across a network. The ways in which some of these guidelines can be used in more detail will be explored throughout this chapter.

Revealing personal data can lead to threats like identity theft, fraud, bullying, and blackmail. 1.Identity Theft Definition: Identity theft occurs when someone steals your personal information and uses it without your permission. This can include your name, Social Security number, or bank details. Example: If someone gets your Social Security number, they could open a credit card in your name and run up bills that you would have to pay. 2.Fraud Definition: Fraud is when someone deceives another person to gain something of value, like money or personal information. This is often done through lies or tricks. Example: A person might call you pretending to be from your bank and tell you that you need to confirm your account details. If you give them your information, they may steal your money. 3. Bullying Definition: Bullying is when someone repeatedly hurts, threatens, or picks on another person. This can happen in person or online (cyberbullying). Example: If someone sends hurtful messages or spreads rumors about you on social media, that’s a form of bullying. 4. Blackmail Definition: Blackmail is when someone threatens to reveal harmful or embarrassing information about you unless you give them something they want, usually money or favors. Example: If someone takes a private photo of you and threatens to share it unless you pay them, that’s blackmail. Summary Identity Theft: Stealing personal information for illegal use. Fraud: Deceiving someone for personal gain. Bullying: Repeatedly hurting or threatening someone. Blackmail: Threatening to expose information unless demands are met. Understanding these terms helps you recognize and protect yourself from potential dangers in both real life and online. If you see any signs of these actions happening, it’s important to talk to a trusted adult or authority figure. There are several guidelines for you to be aware of to keep your personal data confidential: •Have strong passwords set on any account that holds personal data. Stronger passwords include characters, numbers and symbols and are not a recognisable word. •Encrypt (scramble text so that it cannot be read without a decryption key) any personal data that you store on your computer. •Have a firewall present, scanning incoming and outgoing data from your computer system. firewall : a security measure that can be implemented to monitor traffic into and out of a computer and prevent external users gaining unauthorised access to a computer system. A firewall is a security measure that helps protect a computer system by monitoring and controlling the traffic that comes into and goes out of the system. Think of it as a barrier between your computer and the outside world. It prevents unauthorized users from accessing your computer while allowing authorized traffic to pass through. •Regularly scan your computer with preventative software, such as an anti-virus package, that is used to identify a virus on a computer and remove it. Anti-virus: software that is used to identify a virus on a computer and remove it •Make use of any biometric devices (devices that measures a person's biological data, such as thumbprints), that are built into technology. biometric devices: Unique physical characteristic of a person that can be used by a computer for identification purposes. https://www.aratek.co/news/biometric-devices-definition-and-examples Biometric devices are tools that use unique physical characteristics of a person for identification purposes. This means they can recognize who you are based on features that are unique to you. Here are some examples of biometric characteristics: Fingerprint Recognition, Facial Recognition, Voice Recognition •Only visit and provide data to websites that are a trusted source. •Do not open any email attachments from a sender you do not recognise. •Check the URL attached to any link requesting data to see if it is genuine. •Be cautious about any pictures or opinions that you post or send to people. •Remove data about your location that is normally attached to your photos and videos that you may post, such as geotags. Geotag: an electronic tag that assigns a geographical location A geotag is an electronic tag that assigns a specific geographical location to a piece of information, like a photo or a video. Geotags can help people understand where a photo was taken or where an event occurred, making it easier to organize and find information based on location. •Do not become friends on social networking sites with people you do not know. •Set all the privacy controls to the most secure setting that are available on social media accounts. •Report and block any suspicious user. •Use a nickname or pseudonym when using the internet for entertainment, for example, playing games. •If it is possible, use a virtual private network (VPN), an encrypted connection that can be used to send data more securely across a network. Virtual private network (VPN) : an encrypted connection that can be used to send data more securely across a network A Virtual Private Network (VPN) is a special way to connect to the internet that keeps your information safe. Imagine you are sending a secret message to a friend. You want to make sure no one else can read it while it travels. A VPN helps you do just that! It creates an encrypted connection, which means it turns your message into a code that only your friend can understand Example: Public Wi-Fi Safety: When you use public Wi-Fi, like in a café, your data can be easily accessed by hackers. If you connect to a VPN while using that public Wi-Fi, your data is encrypted, making it much harder for anyone to steal your information.

Stages in the Sale of a Property Stage 1 – Getting to Instruction • Initial contact with the vendor: need to check the following: type of property, contact details of vendor, address of property/Eircode and purpose of the contact - sale or valuation? If a sale, does the vendor need a quick sale? Qualify the lead i.e. is the vendor buying another property? If an investment property, is the tenant in situ? Check if there is a folio number available and confirm the ownership of the property. Schedule the viewing. • Pre-viewing: Set up a file & record all info from initial contact on CRM system. Check the Property Price Register to help get a general idea of property valuation (subject to viewing, helps to display knowledge of area/market and set expectations for the vendor). Nature of property may affect pricing e.g. starter home vs. larger property with vendor seeking to downsize. Consideration for comparables may include similar/same location, size and condition of property, availability and type of parking, layout of property, plot size, orientation of garden, extensions undertaken etc. Nature of market conditions, state of wider economy, cost of capital and availability of credit may also be factors. • Appraisal/viewing: Bring an advertising pack/sales & marketing brochures. Walk through property with client, note nice features/selling points for the brochure, let the client talk about upgrades/specific features of the property. It is very important to listen to the vendor and build rapport. Confirm property details e.g. condition and layout, plot size, orientation of garden. Check for certificates of compliance for any extensions, planning permissions for conversions, right of way if applicable etc. Check if a BER available/provide details for approved assessors. Demonstrate your/the practice’s professional expertise, justify why you should get the instruction, discuss recent local sales and give your potential valuation. Discuss the sales fee, marketing fee and any additional charges e.g. professional photography, drone footage, virtual tours (walkthrough video, Matterport etc.) Ask how the vendor heard about you/your practice and why are they considering you for the sale. Where appropriate offer advice to help vendor increase potential sales price. (If possible, leave with signed Property Services Agreement/Letter of Engagement.) Thank you, send/email market appraisal, any queries/questions do get in touch and let the vendor know that we’ll be in touch in coming days. • Post appraisal – letter sent that pm/next morning with market appraisal; diary note to follow up. Check that market appraisal letter received and check for questions. If did not get sale, find out why not/debrief. If get the sale, email confirmation of instruction. Once PSRA sent and LOE returned signed = stage 2. Other details required – ID, proof of address, proof of ownership/title, solicitor details, BER certificate (refer to assessor if not available). All these should be uploaded to CRM. Stage 2 – Getting to ‘Sale Agreed’ Set up appointment to measure & photograph, note any special features e.g., upgraded kitchen, south-facing garden. Provide ideas for improving sales potential (declutter, painting, tidy garden etc. Check if has vendor potential buyers in mind already e.g., relations, friends, other parties interested. Seek vendor approval for photos/text of brochure. Check for access (tenants in situ/working from home etc) and confirm viewing times. If given a key for viewings – tag it! Check alarm codes & whether a sign is allowed on the property. Bring to market – upload to all websites e.g., daft/my home, in house websites and create window display. Match the property against your internal database of potential purchasers /CRM system. Set up appointments for viewings on CRM or arrange for open viewings. Confirm viewings with vendor & purchaser. Turn on lights, open windows, secure valuables, leave out brochures & business cards, bring viewings sheets to keep record of attendees. Introduce yourself and get attendee details. Let people view the property and address any questions. Point out key features. Record questions to be answered and any feedback from viewers. Ask are they selling property? Let viewers know of offers already received. Lock up/alarm property/close windows. Provide vendor with feedback on viewings - number of viewers / questions raised/overall reaction to property. Offers should be confirmed in writing & upload to on CRM/ offers will be input by bidders onto online bidding platforms ‘Proof of funds’ required for offers in some practices. Successful bidder will be chosen by vendor, who might want quick sale/no chain or prefer the highest bidder. Booking deposit will be sought from successful bidder. The amount varies by practice but must cover fees. Sales Advice Notice/letter should be sent to both solicitors (and may be cc’d to vendor/buyer or notify both that SAN have gone out). Booking deposit receipt should be issued. The BER certificate and report should go to the solicitor. Send requests for docs/info to successful bidder including steps they need to take to progress sale e.g., organise the bank valuation and/or schedule the survey. Once the deposit is paid the property is Sale Agreed, inform other bidders, and update all websites/sales board etc. Stage 3 – Getting to closing Access should be organised for the bank valuation/survey. Stay in touch with both solicitors ‘contract-chasing’ i.e., check when contracts are issued, signed and queries answered. Legal searches undertaken by the solicitors may include checking boundaries, land registry, title, rights of way, compliance certs etc. When contracts are signed 10% purchase price/booking deposit should be sent to the vendor’s solicitor. Once all queries satisfied = drawdown of mortgage/funding, house/life insurance in place. Title deeds will be requested once contract is signed. Decide final closing date. Check that the property taxes have been paid. Check that vendor has vacated the property. When vacant, conduct the final walkthrough and take final readings (MPRNs ). Check with solicitor if the drawn down funds h, and once received the solicitor gives authorisation to the estate agent to release the keys. The agent will do up invoice, send the balance of funds to solicitor and provide gift to purchaser. Finally remove sign, mark as sold on CRM, seek testimonials, upload to social media and close a/c on CRM

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